Wallet & AI Credits
How AI credits work, minimum recharge, plan rates, and topup flow.
Wallet & AI Credits
Finn bills on a prepaid AI credit model. 1 AI credit ≈ 1 minute of calling. The wallet sits inside Settings → Plan & Billing and shows your live balance, monetary equivalent, and recharge history.
How AI credits are charged
Every call is metered the moment it ends:
| Outcome | Charge |
|---|---|
| Unpicked / no answer | 0.25 credit |
| Picked, ≤ 60 seconds | 1 credit (minimum pulse) |
| Picked, > 60 seconds | ceil(duration ÷ 60) credits — pulse-billed by the minute |
| Failed call (carrier-level) | 0 credits |
Pulse means a 90-second call costs 2 credits, a 121-second call costs 3 credits, and so on. The pulse model rewards short, efficient conversations.
Minimum recharge
The minimum top-up depends on your plan:
| Plan | Minimum recharge | Rate per credit |
|---|---|---|
| Starter | 50 credits (~₹168 / $2) | ₹3.35 / $0.040 |
| Pro | 500 credits (~₹1,675 / $20) | ₹3.35 / $0.040 |
| Growth | 2,000 credits (~₹6,700 / $80) | ₹3.10 / $0.037 |
| Enterprise | Custom — contact sales | Negotiated |
Rates shown are illustrative. Live rates appear in the Add AI credits dialog.
How to top up
- Open Settings → Plan & Billing.
- Click Add AI credits on the balance card.
- Pick a preset (or enter a custom amount above the minimum).
- Pay with card, UPI, or net banking via the Razorpay or DodoPayments flow.
- Credits land in your wallet within ~30 seconds.
A receipt is created automatically and appears under Invoices.
Automatic reload
Available on Growth and Enterprise plans (coming to Pro). Set a threshold and a recharge amount — Finn re-tops your wallet when the balance dips.
Where credits are deducted
The Billing history table shows every debit and credit:
Recharge— funds added.Call Deduction (Answered)— pulse-billed picked call.Call Deduction (Unanswered)— 0.25-credit unanswered debit.Admin adjustment— manual credit / refund.
Each debit row includes the call UUID so you can cross-reference inside the deployment analytics view.
Plan comparison
| Feature | Starter | Pro | Growth | Enterprise |
|---|---|---|---|---|
| Concurrent calls | 5 | 25 | 50 | Unlimited |
| Custom workflows | — | 8,000 | 42,000 | Custom |
| Subaccounts | — | — | 25 | Unlimited |
| SLA | Best effort | 99.5% | 99.9% | 99.99% |
| Compliance reviews | Self-serve | Self-serve | Assisted | White-glove |
| Voice cloning | — | — | Add-on | Included |
See Pricing & Plans for the full live list.
Tips
- Buffer for overage. Keep a credit balance ≥ 2× your daily burn so a campaign spike never drops calls.
- Watch the dial-cost curve. The first 30 seconds of a picked call cost the same as 59 seconds — design openings that get to the point.
- Test on Starter first. New voices, prompts, or audience segments cost the same on Starter as on Enterprise, and the dashboard shows the same depth of analytics.
Troubleshooting
- Balance dipped without a call — check Billing history for an Admin adjustment row, or a delayed pulse-bill from a long call that just closed.
- Top-up pending — payments typically settle in 30s. Anything over 5 minutes, contact support@hirefinn.ai with the transaction ID.
- Refunds — manual refunds happen as a credit in the wallet (not back to the original payment method) unless requested otherwise.
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